Bank · FDIC insured
First Federal Savings & Loan Association CD Rates
First Federal Savings & Loan Association’s best CD rate is 4.00% APY on a 3-month CD. Terms run from 1 month to 5 years. Rates checked October 22, 2026.
How First Federal Savings & Loan Association’s CD rates compare
Compared with banks and credit unions near Portland, OR-WA, where First Federal Savings & Loan Association has the most branches. $10,000, best rate first.
This bank’s best
First Federal Savings & Loan Association
4.00%APY
- Term
- 3 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $99
Short Term Certificates
Top rate
Ironworkers USA Credit Union
4.75%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
iQ Credit Union
4.50%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000
- $260
First Federal Savings & Loan Association CD score
82
CD score
Higher than 60% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo3.90%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo2.50%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where First Federal Savings & Loan Association ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Short Term Certificates
Up to 4.00%APY · 4 terms
Fixed rate CD. Length of deposit 1 to 9 Months. Additional deposits of $500 or more allowed at any time. Early withdrawal penalty is 30 days interest (waived upon death or legal incompetence of account holder).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month1-Month CD = 30 calendar days. Must maintain minimum daily balance of $500 to maintain APY (account may be closed if reduced below $500) | 1.02% | $8 |
| 3 months3-Month CD = 90 calendar days. Must maintain minimum daily balance of $500 to maintain APY (account may be closed if reduced below $500) | 4.00% | $99 |
| 6 months6-Month CD = 180 calendar days. Must maintain minimum daily balance of $500 to maintain APY (account may be closed if reduced below $500) | 3.90% | $193 |
| 9 months9-Month CD = 270 calendar days. Must maintain minimum daily balance of $500 to maintain APY (account may be closed if reduced below $500) | 3.90% | $291 |
Long Term Certificates
Up to 3.90%APY · 7 terms
Fixed rate CD. Length of deposit 1 to 5 years. Additional deposits not allowed. Early withdrawal penalty is 180 days interest (waived upon death or legal incompetence of account holder).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months1 Year CD. Must maintain minimum daily balance of $100 to maintain APY (account may be closed if reduced below $100) | 3.90% | $390 |
| 18 months1 1/2 Years CD. Must maintain minimum daily balance of $100 to maintain APY (account may be closed if reduced below $100) | 3.00% | $453 |
| 24 months2 Years CD. Must maintain minimum daily balance of $100 to maintain APY (account may be closed if reduced below $100) | 2.75% | $558 |
| 30 months2 1/2 Years CD. Must maintain minimum daily balance of $100 to maintain APY (account may be closed if reduced below $100) | 2.75% | $702 |
| 36 months3 Years CD. Must maintain minimum daily balance of $100 to maintain APY (account may be closed if reduced below $100) | 2.50% | $769 |
| 48 months4 Years CD. Must maintain minimum daily balance of $100 to maintain APY (account may be closed if reduced below $100) | 2.50% | $1,038 |
| 60 months5 Years CD. Must maintain minimum daily balance of $100 to maintain APY (account may be closed if reduced below $100) | 2.50% | $1,314 |
Special-purpose accounts
Retirement Certificates
Up to 4.00%APY · 3 terms
Available as Traditional IRA or Roth IRA. Annual maintenance fee is $15 per IRA plan. Interest rate upgrade available if older than 59 1/2.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months18 Month IRA CD. There is no minimum balance required to earn the APY. Deposits during term allowed ($10 or more). Annual contributions not required. Annual maintenance fee of $15 per IRA plan | 4.00% | $606 |
| 30 months2 1/2 Year IRA CD. There is no minimum balance required to earn the APY. Additional deposits during term not allowed. Annual contributions not required. Annual maintenance fee of $15 per IRA plan | 3.25% | $832 |
| 60 months5 Year IRA CD. There is no minimum balance required to earn the APY. Additional deposits during term not allowed. Annual contributions not required. Annual maintenance fee of $15 per IRA plan | 2.50% | $1,314 |
Sources (2)
All captured Oct 22, 2026
Opening an account
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